Your Premier
Mortgage Partner
Experience banking elevated. From conventional mortgages to creative financing solutions, we deliver white-glove service with competitive rates across all 50 states.
Experience banking elevated. From conventional mortgages to creative financing solutions, we deliver white-glove service with competitive rates across all 50 states.
At Equitable Lending Co a division of PBT Bancorp since 1923, we believe exceptional service is the foundation of trust. Experience the difference of working with lenders who see you, not just your paperwork. Over 100 years strong!
Loans Funded
Happy Homeowners
States Licensed
Pre-Approval
Self-employed? Use bank statements, profit & loss statements, or asset depletion to qualify for your dream home.
DSCR loans for real estate investors. Qualify based on rental income, not personal W-2s.
Access your home equity with flexible HELOC options or refinance to better rates with our creative solutions.
Don't just take our word for it — hear from homeowners who achieved their dreams with Equitable Lending Co a division of PBT Bancorp.
"As a self-employed entrepreneur, I never thought I'd qualify for a mortgage. Equitable Lending found the perfect solution using my bank statements. Now I'm a proud homeowner!"
Michael R.
Los Angeles, CA
"Refinanced my investment property with them. The DSCR loan option was exactly what I needed. Closed in 18 days! Their team made the entire process seamless."
Sarah T.
Miami, FL
"Steven and his team are true professionals. They saw past my unique income situation and got me into my dream home. I recommend them to everyone I know."
James W.
Austin, TX
Get a quick estimate to see how much home you can afford or what refinancing could save you.
See your estimated monthly payment
Estimated Monthly Payment
See how much you could save
Estimated New Monthly Payment
These calculations are estimates only. Contact us for a personalized quote.
Whether you're looking to refinance at a lower rate, tap into your home's equity, or purchase your dream property — we make it happen.
*APR = Annual Percentage Rate. Rates subject to creditworthiness and market conditions. Not all applicants will qualify. Equal Housing Lender.
From conventional mortgages to creative financing, we offer solutions tailored to your unique financial picture.
Standard loans for qualified buyers
Low down payment options
Zero down for veterans
High-value properties
No tax returns needed
Investment properties
Lower initial payments
Access your equity
At Equitable Lending Co a division of PBT Bancorp since 1923, we believe exceptional service is the foundation of trust. Experience the difference of working with lenders who see you, not just your paperwork. Over 100 years strong!
Loans Funded
Happy Homeowners
States Licensed
Pre-Approval
Self-employed? Use bank statements, profit & loss statements, or asset depletion to qualify for your dream home.
DSCR loans for real estate investors. Qualify based on rental income, not personal W-2s.
Access your home equity with flexible HELOC options or refinance to better rates with our creative solutions.
Fill out the form and our team will reach out within 24 hours. No obligations, optional no hard credit pulls, just honest advice about your options.
12300 Wilshire Blvd Suite 100
Los Angeles, CA 90025
524 Main St.
Hazard, KY
info@pbtmortgage.com